Better Than Free Checking

Love earning cash back? Don't want a minimum balance requirement? Take our Checking Quiz to determine which of our options is right for you.

Checking Accounts

Citadel offers checking options with built-in conveniences and flexibility. Enjoy convenient Online and Mobile Banking tools, including Mobile Deposit, Bill Pay, Account Alerts, and more. Find the right checking account for your financial lifestyle.

Compare Checking Accounts:

Feature Cashback Rewards Checking FREE Checking
1% Cash Back on Purchases Earn up to $120 every year*  N/A
Cash Back with First Year Match Up to $240 in the first year*  N/A
Transactions at Citadel ATMs Free Free
Real-time Account Alerts Free Free
Mobile Deposit & Digital Wallets Free
Free
External Transfer to/from other Financial Institutions Free
Free
Online Budgeting Tools Free
Free
Card Control Free
Free
Transactions at Non-Citadel ATMs Free

Withdrawal: $3 | Balance Inquiry: $1

Automatic Overdraft Transfers††† Free
$5
Stop Payments Free
$25
Monthly Service Charge $10, waived with $1,000 in qualifying Direct Deposit(s)†† per month* $0


With either of Citadel’s checking accounts, daily banking is easy and convenient with our digital tools:

  • approvalAccount Alerts for fraud, spending limits, and more
  • approvalInstant control of your cards with Card Control
  • approvalOnline Bill Pay
  • approvalCitadel Mobile App with Mobile Deposit
  • approvalConvenient monthly eStatements
  • approvalFree budgeting and personal finance tools through Money Manager

Additional Features

Open a Citadel Checking Account today!

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Security

Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

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Hear From Our Customers

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*Checking Accounts Disclosures

View *Checking Accounts Disclosures

All Citadel Checking Accounts


ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit Citadelbanking.com/atm.


†† A qualifying direct deposit is defined as a recurring direct deposit of payroll, pension, Social Security, Government benefits, or other regular monthly income, electronically deposited into the account. Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM, or through Online and Mobile Banking do not qualify as a direct deposit.


††† Citadel offers several overdraft protection options, including Courtesy Pay and automatic transfers from a Citadel savings or loan account. Please contact us to discuss the best overdraft protection options for you.


All standard account requirements apply. Information accurate as of and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.


Monthly Inactivity

A $5 monthly inactivity fee will apply if there is no activity on any Citadel account for one year – this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account holders less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.


Cashback Rewards Checking Balance Requirements:

After 60 days, $10 monthly service fee is waived if ONE of the following criteria is met:

  • Receive monthly qualifying direct deposit(s) into Cashback Rewards Checking account totaling $1,000 or more OR
  • Maintain average daily balance of $5,000 in your Cashback Rewards Checking Account.

Earn Up to $120 in Cashback Rewards Annually:

When Cashback Rewards transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. For full Cashback Rewards program details and disclosures, visit Citadelbanking.com/CashbackChecking.


Up to $120 Cashback Rewards Match:

After the first 12 months that your Cashback Rewards Checking account is open, we will match the Cashback Rewards you have earned, up to $120. Your Cashback Rewards match will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.


Additional Account Information:

The Cashback Rewards Checking Account is not available for business accounts or public funds. Limit 5 Cashback Rewards Checking accounts per member. Cashback Rewards Program may be modified or withdrawn at any time.


Important Information about Overdrafts and Overdraft Fees:

An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the potential embarrassment and extra expenses caused by a bounced check or insufficient funds. These include:

  • Transferring funds from a Citadel Savings and/or Money Market Account
  • Advancing funds from a Citadel Personal Line of Credit
  • Courtesy Pay

As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. To learn more, please ask a Citadel Representative. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.


This notice refers to our Courtesy Pay program:

Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly payments debited from your account)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid.


If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by:


You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.


When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for overdrafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800)-666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.


Federally insured by NCUA.